St. Louis County property record for 4105 Luzerne Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,224 sqft |
| Lot Size | 0.752 acres (32,783 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $614 (2026) |
| Deeds & Mortgages | Aug 2025 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0140-00270 |
| Primary APN | 520-0140-00270 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,224 sqft Gross Area |
| 1st Floor Area | 1,224 sqft |
| Construction Type | Frame |
|---|---|
| Lot Area | 32,783 sqft (0.752 acres) |
| Garage Area | 456 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1099141 |
|---|---|
| Street Address | 4105 LUZERNE RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-1219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | LOTS 26 AND 27, BLOCK 1 SERIAL # |
| Legal Subdivision | INGLESIDE PARK |
| Legal Block | 1 |
| Legal Lot Number | 27 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | RICE LAKE |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 10400 |
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 412 ELK ST, DULUTH, MN 55803-1412 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4105 LUZERNE RD, DULUTH, MN 55803-1219 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0001093687 |
|---|---|
| Date | Aug 29, 2025 |
| Instrument | 1093687 |
| Name | FRANDSEN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55811 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 73 Months |
| Due | Sep 5, 2031 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Rice Lake City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $614.00 (+10,133.33%) | ||
| 2025 | $251,100 (+62,675%) Land $41,900 Building $209,200 | $251,100 (+62,675%) Land $41,900 Building $209,200 | |
| 2024 | $6.00 | $400 (-) Land $400 | $400 (-) Land $400 |
| 2022 | $6.00 | $400 Land $400 | $400 Land $400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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